The retirement and IRA show represents the words and views of the show hosts exclusively and should not be construed as investment legal or tax advice. All information is believed to be from reliable sources. However, we make no representation as to its completeness or accuracy. All economic and performance information is historical in nature and is not indicative of any future results. Any indices mentioned on the show are unmanaged and cannot be invested indirectly. Diversification and asset allocation strategies do not assure profit or protect against loss.

Never make any investment or financial decisions based on information offered on this show

without first consulting your financial legal or tax advisor.

Financial planning services offered through Jim Solnior and Associates LLC, a registered investment advisor.

This is the retirement and IRA show coming to you from beautiful Northern Colorado.

Join us as certified financial planner Jim Sondier, as well as Colorado State

University Finance Instructor and Certified Financial Planner Chris Stein, teach you about IRAs, 401k's, annuities,

social security, pension plans, and estate planning in a fun and enjoyable show.

Whether you are listening live in Colorado or streaming from their website or iTunes podcast,

Jim and Chris want you to know that they're available to help you plan for your retirement.

Just visit their website at Jimhelps.com.

That's Jim H-E-L-P-S.com.

And click the Meet the Team button on the homepage.

Now here's Jim and Chris with today's show.

Hello and welcome to the Retirement and IRA show, Q&A edition for this week.

I've got, I think, a typical lineup today.

I've got Jim joining me remotely.

I believe we've fixed some of the audio glitches that were happening in weeks past, so hopefully things sound a little bit better than before.

And I know we've got a couple of Social Security questions to start with, and then he hasn't given me any warning as to what we're going to deal with after that. But I suspect it's going to be a nice mixture of retirement planning related questions, which is kind of what we deal with on the show here.

I will start off by reminding people how to send in their own questions to the show.

That is to send them directly to Jim. His email is Jim at Jimhelps.com. That's Jim H-E-L-P-S.com. In the subject line, make sure you put that it's a

question for the podcast and then a couple of words about the topic that I think gives you the

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